What we do Goenka Business & Finance Ltd is a Non-Banking Financial Company registered with RBI, providing secured and unsecured loans, investment in securities, and derivatives services primarily in Gujarat. |
Founded in 1,987 |
Market share Focused on expanding lending business in Gujarat, commanding a niche in auto loans, personal loans, and margin trading funding. |
Problem solved Addresses liquidity needs for individuals and brokers with customized loan products and financial services. |
Top clients or who we serve Serves retail borrowers, auto loan customers, personal loan seekers, and brokerage firms in Gujarat; B2B and B2C segments. |
Key management - |
Our journey and innovations Incorporated in 1987, expanded lending in Gujarat rapidly, diversified into auto and personal loans, and margin trading funding to brokers. |
Where we operate Primarily operates in Gujarat state, India, with a focus on expanding customer base in this region. |
Top products or what we offer Offers secured and unsecured loans, auto loans, personal loans, margin trading funding, and investments in quoted and unquoted securities. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily from lending interest and financial investments; inherently cyclical with credit market conditions. |
Our industry position Growing NBFC with focused regional presence; competitive in Gujarat's lending and brokerage funding markets. |
Financial highlights FY2025 revenue approx ₹75 crore, with a net loss of ₹0.33 crore; operational efficiencies improved but impacted by higher finance costs. |
Geographical revenue split Revenue is majorly from Gujarat state, India; no significant international presence. |
Order book - |
Whats driving growth Growth driven by expansion in Gujarat, diversification of loan products, and increased funding to brokerages for margin trading. |
Our future plans Focus on expanding loan portfolio and financial services in Gujarat, with emphasis on cost control and operational efficiency. |
Our green promise - |
Our people and values Board comprises mix of executive and independent directors; emphasis on governance, compliance, and ethical business practices. |
Key challenges ahead Market conditions causing revenue pressure and increased finance costs leading to net loss; regulatory compliance and competition remain risks. |
Interesting facts Has maintained strong governance with zero reported frauds and consistent regulatory compliance since 1987. |
Risks and strategy Risks include credit and market volatility; strategy focuses on risk management, controlled growth, and strengthening internal financial controls. |
